Senior Digital Expert – Liability Journey

Ujjivan Small Finance Bank Ltd.; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. seeks a senior professional to drive the end-to-end transformation of liabilities onboarding journeys across fully digital and assisted channels, focusing on design, digitization, testing coordination, and API readiness.

You will translate business requirements into clear user journeys and BRDs for Savings, Current accounts, FDs, and related onboarding journeys, while coordinating with product, tech, compliance and rollout teams to ensure timely delivery.

Qualifications

• 10-12 years of BFSI experience.
• 5+ years in liability products, sales and marketing.
• 3+ years in PM, agile framework, and writing user journeys.

Responsibilities

• Drive end-to-end transformation of liabilities onboarding journeys across digital and assisted channels.
• Translate requirements into user journeys, BRDs, test scenarios and implementation needs for Savings, Current accounts, FDs and related journeys.
• Collaborate with Product Owner, tech teams, partners and SIT/UAT/rollout teams for timely sprint execution.
• Coordinate with Compliance, Risk and Operations to embed regulatory and customer-experience requirements.
• Monitor onboarding funnel metrics and drive continuous improvement to improve conversion and adoption.
• Lead digital liabilities onboarding initiatives to enhance acquisition and throughput.
• Prepare project plans, sprint requirements and delivery milestones for digital onboarding initiatives.
• Track funnel performance and productivity gains to identify opportunities.

Skills

Project management

Agile methodologies

User journeys

Education

Engineering degree preferred

Job description

• Drive the end-to-end transformation of liabilities onboarding journeys across fully digital and assisted channels, with focus on journey design, process digitization, testing coordination, development execution, and API/integration readiness.
• Translate business and customer requirements into clear user journeys, process flows, BRDs, test scenarios, and implementation requirements for Savings Account, Current Account, Fixed Deposits, Video KYC, Video Banking, Video PD and other liability onboarding journeys.
• Work closely with Product Owner, technical teams, partner development teams, SIT/UAT teams and rollout teams to ensure timely sprint execution, defect resolution, testing closure, and smooth production deployment.
• Coordinate with Compliance, Risk, Operations, Information Security and Service Quality SPOCs to ensure regulatory, operational, security and customer experience requirements are embedded in journey design and delivery.
• Contribute to business outcomes by monitoring onboarding funnel performance, customer drop-offs, TAT, conversion, adoption and post-launch feedback, and support continuous improvements to enhance customer experience and process efficiency.
• Drive digital liabilities onboarding initiatives for Savings Account, Current Account, Fixed Deposits and allied journeys to improve acquisition, conversion and business throughput.
• Prepare and manage project plans, sprint requirements and delivery milestones for digital acquisition and assisted onboarding initiatives.
• Track onboarding funnel performance, TAT, drop-offs, conversion, adoption and productivity benefits to identify improvement opportunities.
• Coordinate with business and channel teams to enable usage, adoption and growth of digital liability onboarding platforms.

Educational Qualifications :

• Engineering background is preferred

Experience:

• 10-12 Years of overall experience in BFSI
• Minimum 5 years’ experience in developing liability products, sales and marketing
• Minimum 3 years of experience in Project management, agile framework, writing user journeys etc.